9 Best Business Bank Accounts That Integrate With QuickBooks
This article is part of a larger series on Business Banking.
For a small business that uses QuickBooks for its primary accounting software, it is critical to have a business checking provider that has seamless integration with QuickBooks. Since many traditional and online-only banks integrate easily with the platform, the challenge is to find a bank with products and services that best meet a company’s needs.
After reviewing more than 100 banks, here are the nine best business bank accounts that integrate with QuickBooks, with links directly to the provider:
- Bank of America: Best overall for ongoing rewards and low cash deposit fees
- Bluevine*: Best for earning interest on deposits and international payments
- Found*: Best digital-only provider for self-employed professionals
- Chase: Best for full-service small business banking tools and premium checking
- U.S. Bank: Best for businesses with low transaction volumes
- Novo*: Best digital-only bank for rapid access to funds and faster payments
- Mercury*: Best for tech companies, startups, and businesses needing additional Federal Deposit Insurance Corp. (FDIC) insurance
- Grasshopper: Best digital-only bank for integrated free payment software
- Relay*: Best for businesses needing multiple accounts and debit cards
*Providers are financial technology (fintech) platforms backed by and FDIC-insured through a supporting bank partnership. (Partnerships: Coastal Community Bank for Bluevine, Piermont Bank for Found, Middlesex Federal Savings for Novo, Choice Financial Group and Evolve Bank & Trust for Mercury, and Evolve Bank & Trust and Thread Bank for Relay.)
Best Business Bank Accounts That Integrate With QuickBooks at a Glance
Account Name | Monthly Fee | Free Monthly Transactions | Annual Percentage Yield (APY) | Free Cash Deposit Limit | |
|---|---|---|---|---|---|
 | Fundamentals Business Checking | $16; waivable | 200 | N/A | $7,500 per month |
 | Business Checking | None | No limit | 2.0% on qualifying balances of $250k or less | $4.95 per deposit (Green Dot) |
 | Business Checking | None | No limit | N/A | Accepted at certain retail locations for a fee |
 | Business Complete Banking | $15; waivable | 20 | N/A | $5,000 per month |
 | Silver Business Checking | None | 125 | N/A | $2,500 per month |
 | Business Checking | None | No limit | N/A | No fee; cash deposited through money orders |
 | Business Checking | None | No limit | N/A | Cash deposits not accepted |
 | Innovator Business Checking | None | No limit | Up to 2.25% | Cash deposits not accepted |
 | Relay Standard | None | None | N/A | No fee; accepted at Allpoint ATMs |
Bank of America: Best Overall for Ongoing Rewards & Low Cash Deposit Fees
What We Like
- 200 free transactions per month
- Free digital tools to track business performance
- Ongoing rewards
Drawbacks
- Cash deposit fees charged per $100 over monthly allowance
- Doesn’t offer ATM fee reimbursements
- Requires a $100 opening deposit
Features
- Deposit checks, view accounts, make transfers, and pay bills with the mobile app
- Credit card processing and payroll services through ADP
- Cash Flow Monitor®, a cash management tool, lets you connect accounting, analytics, and payroll apps to help you make business decisions
- Check your business credit score through a partnership with Dun & Bradstreet
- Free debit card
- Physical checks’ cost varies depending on type ordered
- Integrations with QuickBooks, TurboTax, and Zelle
- Customer service during business hours in branch and via phone, or via social media messages
- Merchant services available through Expensify
- Other products include business savings, CDs, lending products, and financial analysis through Merrill Financial Advisor
 | |
|---|---|
Required Opening Deposit | $100 |
Required Balance Minimum | None |
Transaction Limit Before Fees | 200, then 45 cents per item |
Monthly Fees | $16 (waivable if conditions are met) |
Domestic Wire Transfer Fees | Fees vary |
International Wire Transfer Fees | Fees vary |
ATM Fees | Free access to approximately 15,000 ATMs nationwide; $2.50 per transaction on out-of-network ATMs |
Cash Deposited | Up to $7,500 per month free, then 30 cents per $100 per statement cycle |
APY | N/A |
Why We Like Bank of America
Bank of America, our top recommendation for the best small business checking accounts, is also our choice for the best bank account that integrates with QuickBooks. Its entry-level account, Fundamentals Business Checking, offers great ongoing rewards and low cash deposit fees.
The company charges a $16 monthly fee, which is waived by maintaining a $5,000 combined average monthly balance, spending at least $250 on a business debit card or becoming a member of Preferred Rewards for Business.
You can get up to $500 in combined cashback rewards and statement credits with its business checking and credit card products. Also, with the company’s preferred rewards for business, you can earn 25% to 75% bonus rewards on credit cards and get a 5% to 20% higher interest rate on Business Advantage savings accounts.
In addition to its integration with QuickBooks, Bank of America business checking accounts connect well with TurboTax and Zelle. You can get credit card processing and payroll services through ADP and merchant services through Expensify.
Bank of America also offers a wide range of additional business products, including savings, certificates of deposit (CDs), lending products, and financial analysis through Merrill financial advisor.
Bluevine: Best for Earning Interest on Deposits & International Payments
What We Like
- Interest-earning checking on balances of $250,000 or less
- Integrates with QuickBooks
- Excellent line of credit product
Drawbacks
- No savings, money market, and CD accounts
- No physical branch locations
- Fee for depositing cash
Features
- No monthly maintenance fee
- No minimum balance requirement
- Free debit card and two free checkbook orders per year
- Integrates with QuickBooks and Xero
- Connects with business payment solutions, including Stripe, PayPal, and Expensify
- Has live customer support from dedicated professionals
- Offers line of credit
| |
|---|---|
Required Opening Deposit | None |
Required Balance Minimum | None |
Transaction Limit Before Fees | No limit |
ACH Fees | None |
Monthly Fees | None |
Teller Cash Withdrawal Fee | None |
Domestic Wire Transfer Fees | $15 for outgoing, incoming are free |
International Wire Transfer Fees | $15 for outgoing, incoming are free |
ATM Fees | Free at MoneyPass locations nationally; $2.50 plus operator fees for non-network ATM use |
Cash Deposited | $4.95 fee per transaction, available through Green Dot retail locations |
APY | 2% on balances of up to $250,000, once qualifications are met |
*Bluevine is a business fintech platform backed by FDIC-insured Coastal Community Bank. | |
Why We Like Bluevine
Bluevine, which tops our list of the leading online business banks, is a great option for a QuickBooks-integrated bank account. You can earn up to 2.0% APY on qualifying balances of $250,000 or less. As an online-only bank, Bluevine pairs well with Quickbooks Online.
It charges no monthly or transaction fees and has no minimum opening deposit or balance requirement. You can also send payments internationally to 32 countries in up to 14 currencies. Those payments can be received in as little as 24 hours.
Bluevine also has an integration with Xero, and you can connect with business payment solutions, such as Stripe, PayPal, and Expensify. You even get a free debit card and up to two free checkbook orders annually, and Bluevine also offers an outstanding business line of credit product.
Found: Best Digital-only Provider for Self-employed Professionals
What We Like
- No monthly fees, minimum balances, account fees, and sign-up fees
- Excellent expense tracking on both its desktop and mobile apps
- Helps you track tax write-offs and gives you real-time tax estimates
Drawbacks
- No free cash deposits
- Interest earning only through paid-tier Found Plus
- Cannot purchase checks or issue them from the app
Features
- Provides a business debit Mastercard, which allows you to track expenses and receive purchase alerts
- Debit cards can be frozen in the Found app
- Desktop and mobile apps
- Connect to accounting software and payment apps, such as Cash App, PayPal, Square, Venmo, and eBay
- Integrated bookkeeping allows you to categorize expenses, customize invoices, capture receipts, and set custom rules
- Track tax write-offs in the app
- View your tax estimate update in real-time
- Pay your taxes directly from the app
- Send your Schedule C directly from the app
- Customer service via email, online form, and support guides on the website
| |
|---|---|
Required Opening Deposit | None |
Required Balance Minimum | None |
Transaction Limit Before Fees | None |
ACH Fees | None |
Monthly Fees | None |
Domestic Wire Transfer Fees | Free incoming wires; outgoing wires only sent to Found customers |
International Wire Fees | Unavailable |
ATM Fees | Found doesn’t charge for ATM usage; third-party ATM fees will likely apply |
Cash Deposited | Accepted at more than 79,000 retail locations; list available in the Found app |
APY | N/A |
*Found is a business fintech platform backed by FDIC-insured Piermont Bank. | |
Why We Like Found
QuickBooks offers a specific product to freelance and self-employed professionals, which you can learn more about through our QuickBooks Online Self-Employed review. For those business owners, Found is a great choice for a business bank account.
In addition to being able to integrate with QuickBooks, Found provides an all-in-one product that allows you to use bookkeeping integrated directly in the app. You can categorize expenses, capture receipts, and set custom rules with its app. Check out our guide on how to manage QuickBooks Online bank feeds to see how it can work well with Found and other banking providers.
Found also offers unlimited free and customizable invoicing. You can accept payment for those invoices through payment apps like Cash App, PayPal, Square, Venmo and eBay. The provider also comes with contractor management, which allows you to request and manage W-9s, 1099 payment reports, contractor tax forms 1099-NECs, and more.
The company’s business checking is fee-free without transaction limits. It also includes robust tax tracking and preparation software, allows you to complete and send your Schedule C directly from the app, and lets you pay your tax bill directly.
Some of Found’s features are only included in Found Plus, which is $14.99 per month. You do get interest-bearing checking with Found Plus, earning 1.5% APY on balances up to $20,000.
Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC.
Chase: Best for Full-service Small Business Banking Tools & Premium Checking
What We Like
- $300 bonus when you open an account
- Easy-to-waive monthly fee
- Built-in card acceptance with QuickAccept℠ via the Chase MobileⓇ app
Drawbacks
- Limited number of free transactions
- ATM fees not reimbursed
- Fee for cash deposits of more than $5,000 per statement period
Features
- Manage debit, deposit, and ATM card settings for individual employees
- Deposit checks, view account balances, pay bills, and make transfers through the mobile app
- Integrates with QuickBooks and other leading accounting software
- Free debit card, mailed within 10 business days of application approval
- Physical checks’ costs depending on type ordered
- Chase Merchant Services
- Live customer support online or in branch during business hours
- Other products include business savings, CDs, lending products, credit cards, merchant services, and collection services
 | |
|---|---|
Required Opening Deposit | None |
Required Balance Minimum | None |
Transaction Limit Before Fees | 20, then 40 cents per transaction |
Automated Clearing House (ACH) Fees | $25 for first 25 items per month, 15 cents per item above 25 per month, $2.50 return fee |
Monthly Fees | $15; waivable if conditions are met |
Domestic Wire Transfer Fees | Up to $35 for outgoing wires, up to $15 for incoming wires |
International Wire Transfer Fees | Up to $50 for outgoing wires, up to $15 for incoming wires |
ATM Fees | $3 per transaction at any non-Chase ATM, plus ATM operator fees |
Cash Deposited | $2.50 per $1,000 after you deposit $5,000 in a billing cycle |
APY | N/A |
Why We Like Chase
Chase is another outstanding business bank that integrates with QuickBooks, thanks to excellent full-service banking products and services. The bank offers three types of business checking accounts, business savings accounts, credit cards, lines of credit, point-of-sale (POS), and software solutions.
Other integrations, such as those with BigCommerce and FreshBooks, allow you to get paid faster with same-day deposits. Chase also links with other popular payment software in addition to industry-specific companies. See the full list on Chase’s website.
Chase’s entry-level checking, Business Complete Banking, has a $15 monthly fee that can be waived with a minimum daily ending balance of at least $2,000, aggregate eligible deposits of at least $2,000 or at least $2,000 in spend on a Chase Ink Business Credit Card.
You can earn a cashback bonus by opening an account and completing qualifying activities. See Chase’s website or our best business bank account promotions buyer’s guide for details.
Chase also offers the best premium checking account on the market, which comes with a $95 waivable monthly fee but also more free transactions and a higher free cash deposit threshold.
U.S. Bank: Best for Businesses With Low Transaction Volumes
What We Like
- No monthly fee
- Free mobile check deposits
- Apply in person, online, or by phone
Drawbacks
- Expensive wire fees
- Limited free transaction
Features
- Send and receive money through app
- Digital invoicing and payment systems integrated into your online dashboard
- Mobile app to monitor all of your accounts, transfer funds between accounts, and deposit checks online
- Easy integration with overdraft protection or credit card processing services for your business
- Free debit card and 50% discount on first check order up to $50
- Integrations with QuickBooks and U.S. Bank Payment Processing
- Customer service online, by phone, or in-branch during business hours
- Other products include lending and cash flow products, other checking options, and point-of-sale (POS) services
 | |
|---|---|
Required Opening Deposit | $100 |
Required Balance Minimum | None |
Transaction Limit Before Fees | 125 in a month, then 50 cents per transaction |
ACH Fees | None |
Monthly Fees | None |
Domestic Wire Transfer Fees | $40 for outgoing, $14 for incoming |
International Wire Fees | $75 for outgoing, $15 for incoming |
ATM Fees | No charge for out-of-network ATMs, although operator fees apply |
Cash Deposited | $2,500 in cash deposits or 25 free cash deposits per cycle, whichever comes first |
APY | N/A |
Why We Like U.S. Bank
Now available nationwide, U.S. Bank’s Silver Business Checking is another great option for QuickBooks users. It is one of the few traditional bank accounts with no monthly fee.
The account allows for 125 free transactions and $2,500 in cash deposits monthly, making it a good choice for businesses with lower transaction volumes. U.S. Bank does have two higher-tier accounts that offer more free transactions, but those come with a waivable monthly fee.
It also offers integration with its own payment processing service. You can even link your account to most popular third-party payment software, including Zelle. Also, the company offers business lending, cash flow products, and point-of-sale (POS) services.
You can earn up to a $800 bonus when you open a new, eligible U.S. Bank business checking account (promo code: Q3AFL23) and complete qualifying activities, subject to certain terms and limitations—offer valid through January 8, 2024.
Novo: Best Digital-only Bank for Rapid Access to Funds & Faster Payments
What We Like
- Refunds all ATM fees at month’s end
- No maintenance fees
- Novo Boost and Express ACH allow faster access to your funds
Drawbacks
- Unable to deposit cash directly
- Lack of savings accounts and lending products
- Non-interest drawing account
Features
- Integrates with other business tools, such as QuickBooks, Slack, Xero, Stripe, Square, PayPal, Wise, and Shopify
- Set aside funds for taxes and other large business expenses with Novo Reserves
- Deposit checks directly through the mobile app
- Online banking includes unlimited invoicing and bill pay
- Novo Boost in coordination with Stripe allows you to access funds faster
- Express ACH lets you accept or receive same-day ACH payments
- Virtual debit card available immediately, one free physical debit card per user
- Paper checks can be sent straight from the app
- Live customer support from dedicated professionals
| |
|---|---|
Required Opening Deposit | None |
Required Balance Minimum | None |
Transaction Limit Before Fees | No limit |
ACH Fees | None |
Monthly Fees | None |
Domestic Wire Transfer Fees | None to receive; cannot send wires domestically but can send fee-free ACH transfers |
International Wire Transfer Fees | Novo partners with Wise to send international wires for a “low” fee |
ATM Fees | All fees refunded at the end of the month |
Cash Deposited | None; money orders can be purchased and deposited through the app |
APY | N/A |
*Novo is a business fintech platform backed by FDIC-insured Middlesex Federal Savings. | |
Why We Like Novo
With outstanding integrations and two internal services that help you get paid and send payments faster, Novo is another great choice for a business bank that integrates with QuickBooks. It has a series of additional integrations, including Slack, Xero, Stripe, Square, PayPal, Wise, and Shopify, among others.
Novo Boost and Express ACH allow you to send and receive payments faster than with other providers. If you accept payments from Stripe, Novo Boost lets you receive payments sent from your Stripe account faster than other providers. Users can connect Stripe, Square, or PayPal and get paid via card, Apple Pay, Google Pay, PayPal, or Venmo. Meanwhile, Express ACH enables you to accept or send same-day ACH payments.
Novo refunds all ATM fees at the end of the month with no limits. It also has no monthly fee, transaction limits, minimum opening deposit, or minimum balance requirement.
Mercury: Best for Tech Companies, Startups & Businesses That Need Additional FDIC Insurance
What We Like
- No monthly maintenance fees
- Physical and virtual debit cards
- Treasury product offers outstanding yield on balances over $250,000
Drawbacks
- Accounts unavailable to sole proprietorships and trusts
- Lacks paper check-writing abilities
- Limited lending options and no cash deposits
Features
- Earn interest with Mercury Treasury product if you have more than $250,000 in Mercury accounts and request Treasury
- Set customer user permissions for your team members
- Create auto-transfer rules for your accounts
- Integrate accounts with QuickBooks and Xero accounting software
- Virtual debit cards available right away, with physical debit cards arriving in the mail in a few days
- Physical checks unavailable
- Business payment integrations with Shopify, Stripe, Zapier, Amazon, and PayPal
- Email customer service available
- Savings account provided when you open checking account
- Other products include Mercury Treasury, capital and venture debt, and credit card
 | |
|---|---|
Required Opening Deposit | None |
Required Balance Minimum | None |
Transaction Limit Before Fees | No limit |
Monthly Fees | None |
Domestic Wire Transfer Fees | None |
International Wire Transfer Fees | None as long as it is sent through Mercury’s structure |
ATM Fees | No charge for out-of-network ATMs, although operator fees apply; free access to Allpoint ATM network (55,000 locations worldwide) |
Cash Deposited | Cash deposits not accepted |
APY | N/A |
*Mercury is a business fintech platform backed by Federal Deposit Insurance Corp. (FDIC)-insured Choice Financial Group and Evolve Bank & Trust. | |
Why We Like Mercury
Tech companies and startups looking for a bank account with a QuickBooks integration should consider Mercury, which offers free checking and savings accounts without minimum deposit or balance requirements. Most businesses incorporated in the US are eligible for an account, except sole proprietorships and trusts.
The bank offers an interest-bearing product called Treasury, which you can request once you have $500,000 in your Mercury accounts. Money in the Treasury account can earn up to 5.43% APY, with rates changing weekly.
The biggest perk of Mercury is its Vault product. Mercury will use partner banks and a sweep network to insure business funds of up to $5 million. In addition, Mercury has great software integrations with QuickBooks and Xero and other integrations with Shopify, Stripe, Zapier, Amazon, and PayPal.
You can get a $300 cashback bonus if you spend $2,000 on your debit or credit card within the first 90 days of account opening by using our link to sign up for an account.
Grasshopper: Best Digital-only Bank for Integrated Free Payment Software
What We Like
- Cash back on debit card purchases
- Interest-bearing account
- No monthly fees or transaction fees
Drawbacks
- No physical location
- Minimum deposit required to open
- Cash deposits not accepted
Features
- 1% cash back on all online and in-store debit card purchases
- Autobooks software purchased by Grasshopper for all small business banking customers for digital invoicing and online payments
- No monthly fees or transaction fees; no minimum balance required
- 24/7 online and mobile banking
- Unlimited free ACH and incoming wires
- Physical and virtual debit card available
- Integration with QuickBooks
- Customer support via phone, live chat, email, secure message, and text message; also available through the app
- Other products include application programming interface (API) banking, treasury management, startup banking services, lending
 | |
|---|---|
Required Opening Deposit | $100 |
Required Balance Minimum | None |
Transaction Limit Before Fees | No limit |
ACH Fees | None |
Monthly Fees | None |
Domestic Wire Transfer Fees | No incoming wire fees; $10 for outgoing |
International Wire Transfer Fees | $5 for incoming; $25 for outgoing |
ATM Fees | Free at 45,000 Money Pass & Sum network ATMs |
Cash Deposited | Cash deposits not accepted |
APY |
|
Why We Like Grasshopper
While Grasshopper offers integration with QuickBooks, the company also includes Autobooks for free with each account. This allows you to have integrated invoice and payment software with your business checking.
The provider has a solid, interest-earning business checking product. There are no monthly fees or minimum balance requirements, and you can earn up to 2.25% APY. Balances less than $25,000 and greater than $250,000 still earn a solid 1.51% APY.
While there is no minimum or cap on balances that earn APY, customers must maintain a minimum average balance of $10,000 with no nonsufficient funds (NSF) items during the preceding 12 calendar months.
In addition to integrating with QuickBooks, Grasshopper integrates with Plaid. Grasshopper offers connection instructions with both companies on its website.
If you have a business that makes a lot of debit card purchases and carries a high balance in the account, Grasshopper’s earning power can rival any other bank in this guide. Its account is fee-free with no minimum balance requirements, though you must deposit $100 to open it.
One drawback is that cash deposits are not permitted. In addition, Grasshopper’s free ATM network is also a little smaller than some of its competitors, with no ATM fee reimbursement out-of-network.
Relay: Best for Businesses That Need Multiple Accounts & Debit Cards
What We Like
- No minimum balance or opening deposit required
- Wire transfers are very inexpensive and are free with Relay Pro
- No ATM fees charged by Relay, although third-party fees may apply out of network
Drawbacks
- No physical locations
- No interest-bearing checking
- No lending products
Features
- Fee-free online banking and money management platform
- Open up to 20 individual business checking accounts
- Issue up to 50 Visa debit cards
- Send and receive ACH transfers, checks, and wires
- Collect payments from PayPal, Stripe, Square, and more
- Relay Pro account available, which offers same-day ACH delivery, free wire transfers, and accounts payable support
- Customer service via email, mail, and web contact form, and the app
- Checks can be sent on users’ behalf for free; third-party checks unavailable
- Accounting software integrations with QuickBooks, Xero, and Plaid
- No lending product
| |
|---|---|
Required Opening Deposit | None |
Required Balance Minimum | None |
Transaction Limit Before Fees | None |
Monthly Fees | None |
Domestic Wire Transfer Fees | Free for incoming; $5 for outgoing |
International Wire Transfer Fees | Free for incoming, $10 for outgoing |
ATM Fees | None at Allpoint ATMs; Relay doesn’t charge out-of-network ATM fees, although third-party fees will apply |
Cash Deposited | Accepted at Allpoint ATMs |
APY | N/A |
*Relay is a business fintech platform backed by FDIC-insured Evolve Bank & Trust and Thread Bank. | |
Why We Like Relay
Small businesses with complex finances and large teams that benefit from the scalable nature of QuickBooks could also benefit from a business bank like Relay. It provides users up to 20 checking accounts, allowing you to separate reserves for different expenses. You can also get up to 50 Visa debit cards, which can help maintain spend controls across your team.
You can now deposit cash into your Relay account at any of 55,000 Allpoint ATMs nationwide. You are limited to $1,000 per transaction, but this fee-free option to deposit cash gives Relay a considerable advantage over other fintechs on this list.
Relay is great for businesses that send frequent wire transfers. With Relay Standard, the most you will pay for wire transfers is $10. If you upgrade to Relay Pro, they are entirely free. Neither checking product has transaction limits or minimum balance requirements.
Relay Pro costs $30 per month, which is not waivable. It offers additional premium features, including auto imports from QuickBooks Online and Xero. See Relay’s website for a full list of Relay Pro perks.
How We Evaluated the Best QuickBooks-integrated Business Bank Accounts
In compiling this buyer’s guide, we reviewed more than 100 banks and their primary business checking accounts. When we evaluated the best bank account that integrates with QuickBooks, we considered:
- Which accounts had an easy integration with QuickBooks
- Required opening deposit and balance minimums
- Transaction limits before fees
- ACH and wire transfer fees
- ATM fees and availability
- Other software integrations in addition to QuickBooks
- Cash deposit fees and availability
- Interest yield, if applicable
- Other checking account perks
- Software integrations
- Other business services provided
- Lending products provided
- Customer service
- Customer reviews
While this guide is specifically focused on QuickBooks, most of these banks will also integrate with other leading business accounting software. For more information on both QuickBooks and other leading options, see our guide to the best small business accounting software.
What You Need to Open a Business Bank Account
Though each provider above may require different documents to open a business bank account, here is a general list of what you will need:
- Employer identification number (EIN) or Social Security number if you’re a sole proprietor
- Fictitious business name certificate or doing-business-as (DBA) certificate
- Business formation documents
- Organization documents, including your ownership agreements
- Business licenses
- Government-issued photo ID, such as a passport or driver’s license
You may be interested in our guide on how to open a business bank account. It includes a downloadable checklist of documents banks typically require.
Bottom Line
Businesses that rely on QuickBooks to handle their accounting needs can choose from any of the providers listed in this guide for business bank accounts. All of them provide easy connectivity with QuickBooks. You can choose whichever provider offers the products and services that best fit your company’s needs.
